What shapes consumer transactions and payment technologies, and where is it going?
Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.
Payments Research
Reports
BIN Sponsorship: New Revenue Opportunities for Financial Institutions in Prepaid
Special combined report and pre-recorded webinar provides guidance to financial institutions on managing prepaid card programs
Retail DDA Fee Structures
Retail checking accounts have been provided to US consumers at little or no cost for decades. In 2010, this service strategy began to change as the predictable non-interest income streams of payments-related fees were either clawed back or threa...
Debit Card Rewards in India
Debit cards are blossoming in India as consumers shun credit cards at difficult time. Rewards programs appear to significantly facilitate the progress, as the SBI Freedom Rewardz Program suggests.
International Payments Market Update 2011
As national markets around the world recover, payments will recover as well. But economic recovery is uneven and specific market and regulatory challenges translate into varied prospects by region and country.
The Mercator Map of India: An Overview of the Subcontinent's Payments Market
The Mercator Map of India: An Overview of the Subcontinent's Payments Marke
US Person-to-Person Mobile Payments Market: Gee Whiz or Gee Why?
Boston, MA -- Mobile person-to-person payments is a promising service and a logical expectation for smartphone users accustomed to the "app for that" approach. But today's mobile person-to-person payments fail to deliver on key performance crite...
The Evolution of Payment System Risk Management: And the Changing Dynamics of Credit Card Fraud Prevention
The payments industry stands poised to move into a next phase of evolution as the prospect of mobile commerce becomes more tangible. Operatives concerned with how these new technologies will change the risks posed to payments systems are also lo...
Small Business Credit Card 2010 Update: Dare We Call The Bottom?
Boston, MA -- The small business credit card segment may be finally nearing its decline, at least in terms of card spending volume.
Top 50 Debit Card Issuers Loyalty and Rewards Programs 2010 - Year in Review
Boston, MA -- As interchange fee regulations become clear, one of the main areas of consumer debit card benefits - the rewards program - is almost certainly heading towards a mid-term correction. The industry has already seen one major issuer, J...
EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment
Revealed in Mercator Advisory Group's EMV in the USA: Waiting on Debit, a Mandate, or Just the Opportune Moment report is the relatively modest cost of EMV issuance to US passport holders. While the UN Federal Credit Union is the first financial...